Placer County, California, a core county of the Sacramento-Roseville, CA market, holds $13.6B in deposits across 26 insured institutions and 69 branches. Wells Fargo Bank, National Association is the largest deposit holder at 20.9% share. The top three institutions hold 51.5% of deposits, which places the county in the moderately concentrated band. Deposits have grown 1.0% since 2020 while the branch count fell by 18. It produces $26.8B of output, ranking #177 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 87 in 2020 to 69 in 2025. Institutions: 25 to 26. Top-three share: 54.7% to 51.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank, National Association | $2.8B | 20.9% | -24% |
| Bank of America, National Association | $2.1B | 15.8% | +5% |
| JPMorgan Chase Bank, National Association | $2.0B | 14.8% | +65% |
| Five Star Bank | $1.6B | 11.7% | +126% |
| U.S. Bank National Association | $1.3B | 9.3% | +17% |
| Umpqua Bank | $1.1B | 8.1% | +92% |
| Tri Counties Bank | $393M | 2.9% | +45% |
| Mechanics Bank | $368M | 2.7% | -77% |
| BMO Bank National Association | $236M | 1.7% | -42% |
| First Northern Bank of Dixon | $202M | 1.5% | -9% |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Sacramento-Roseville market
Placer County is one of 7 counties that make up the Sacramento-Roseville, CA market, a Combined Statistical Area (ranked #32 of 293 U.S. markets by economic output). It produces 15.7% of the market’s output and holds 13.5% of its deposits.
| Measure | Placer County | Share of Sacramento-Roseville market |
|---|---|---|
| 2024 GDP | $26.8B | 15.7% |
| Deposits | $13.6B | 13.5% |
| Population | 442,081 | 16.0% |
View the full Sacramento-Roseville market profile →
Recruiting in Placer County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Placer County, on a retained basis.
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